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Musicians Personal Accident Insurance 

Dedicated cover providing lump sum or weekly payments in case you are injured in an accident.

Providing a financial cushion if you are injured in an accident

Our Personal Accident cover is available for either individuals or all members of a band or ensemble. Cover starts at under £9 a year.

Our Musicians Personal Accident cover provides lump-sum payments up to £30,000 in the case of death or permanent disablement, or weekly payments up to £375 per week+ for any temporary total disablement where you are unable to undertake your normal paid musical activities following an accident.

Our policy not only covers accidents that happen while you are using musical instruments & equipment, but also accidents that happen at home or at any non-musical job you may have during the period of the policy++. Our cover also provides a range of other benefits including adaptation to instruments following an accident, independent financial advice, physiotherapy and counselling support.

We offer two cover levels, and our pricing is based on how often you perform so if you work less, you pay less, while being able to choose the level of cover that you think would suit you best.+++

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  Benefit Level 1 Benefit Level 2

Permanent total disablement or death

Total loss of hearing

Total loss of sight

Permanent loss of speech

Permanent loss of a limb

Partial loss of sight

Partial loss of hearing

Dental coverage

Temporary total disablement from your
paid musical activities - Weekly payments
after 2 weeks up to 12 months*

£10,000

£7,500

 

£5,000

 

 

 

£250

Up to £190 per week

 

£30,000

£20,000

 

£15,000

 

 

 

£1,000

Up to £375 per week

 

Where a claim is accepted our cover also provides additional benefits to help you or your loved ones move on after an accident:

Up to £1000 to adapt your musical instruments 
Our cover provides up to £1,000 to adapt your musical instrument following permanent or temporary disablement as a result of an accident, helping you to keep playing.
Up to £1000 for physiotherapy

Our cover provides up to £1,000 to pay for physiotherapy to help you recover from your accident as part of a claim.
Up to £500 for independent financial advice
Our cover provides up to £500 to pay for independent financial advice as part of a claim, helping you get back on your feet and deal with the impact of an accident. You can chose your own advisor or we can help you find one.
Up to £1000 for trauma or bereavement counselling
Our cover provides up to £1,000 to pay for counselling to help you or your loved ones move on from an accident or bereavement associated with a claim. We will also help find a councillor.
Up to £500 for urgent eye treatment
Our cover provides up to £500 for urgent eye treatment to prevent long term damage following an accident.
Up to £500 travel costs


Up to £500 to help cover expenses you incur returning home from a hospital.

Up to a further £500 to help cover the cost of your immediate family visiting you in hospital.

If you want to buy Personal Accident Insurance alongside cover for your Musical Equipment you can buy online or call us.

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If you need standalone Personal Accident or Public Liability cover, please call or message us.

Public Liability and Personal Accident Terms & Conditions

View or download our latest Public Liability and Personal Accident Cover Terms & Condtions.
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public liability and personal accident cover terms and conditions
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public liability and personal accident cover ipid

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+Weekly benefits are based upon your musical activity earnings, it is payable up to a maximum of 52 weeks. Payments would start after a 2 week excess period. Proof of earnings is required in the event of a claim. The maximum benefit payable will be based on the cover level chosen.

++ Any claim arising out of the below, as a consequent of or contributed to in any way, is excluded (see our policy wording for full details):

·       Your participation in any sports activities or recreational or competitive cycling on or off road, use of motorised vehicles, yachts or other waterborne craft, airborne craft drones animals or firearms.

·       You taking illegal drugs, or non-prescribed drugs for recreational purposes or taking drugs prescribed for your drug addiction or alcoholism

·       You serving in the Armed Forces of any Nation or International Authority,

·       Suicide, attempted suicide or intentional self-inflicted injury, or deliberate exposure to danger (except to save a human life)

·       Your own Criminal acts

·       You being in a state of insanity

·       War, terrorism,

+++ You will be asked to tell us how often you perform or are otherwise active in public. You must keep your policy up to date if this changes.